Q: I just found out my bank is going through a process server. Unknown to me the bank had been using a debt collection
agency but they told me they were from my bank. When I called my bank about them and gave my bank the number they called from, my bank informed me that the numbers were fraud and not to deal with them. At the time my bank was having an issue with fraudulent calls posing as the bank trying to get people to increase there credit card limit then they running it up. They never let me know that they had something out on me regarding debt collection. They told me the last time the bank tried to get ahold of me was back in June 2018. What rights do I have?
Whether you know it or not, you are avoiding the most important issue here by confusing it with a completely different unrelated issue that probably does not concern you.
First advice: If you owe any money to the bank and have not paid it back, the bank most likely sold the debt to a third party collection company. And it is not al all unusual for collection companies to lie to debtors and say they represent a bank, if they think it will get the debtor to pay up. In any event, your problems will not stop unless you repay the debt.
Second advice: If you do NOT owe any money to the bank stop worrying about it.
Third advice: If you owe money that you never paid to any creditor on earth, get used to attempts to collect the debt; but probably not from the original creditors because they all are selling uncollected debt to collection companies.
Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.
The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.
Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.